个人金融信息保护与利用的“告知—同意”规则优化

On the Optimization of the“Notice-Consent”Rule for the Protection and Use of Personal Financial Information

遵循“告知—同意”规则,是保护和利用个人金融信息的基础。实践中,告知标准模糊、同意方式单一和“告知—同意”规则运行失范,导致金融信息主体难以决策、金融信息处理者负担加重、信息权益难以得到有效保障。建议通过细化“告知”情形、拓宽“同意”边界、规范“告知—同意”规则,更好地保障相关主体的合法权益。

Following the“notice-consent”rule is the basis for protecting and utilizing personal financial information.In practice,the vague standard of notification,the single way of consent and the irregular operation of the“notice-consent”rule have made it difficult for financial information subjects to make decisions,increased the burden of financial information processors and made it difficult to effectively protect the rights and interests of information.It is recommended that we should refine the circumstances of“notice”,widen the boundary of“consent”and standardize the rules of“notice-consent”to protect the legitimate rights and interests of related subjects.